Settlement Service Provider of list won't provide service, 10% Threshold?The settlement service provider listed on my "Settlement Service Providers List" is an affiliate or subsidiary of my bank. As it turns out they only do refi and not new home purchases. As such I had to look for a settlement provider on my own. I shopped around for the best price, but even the cheapest one charges nearly 3x the amount for lenders title insurance and closing fees as is listed on my GFE.I read this HUD document, and the bank needs to provide settlement service providers that are 'likely' to provide service which they did not do. The bank should know that the settlement service provider they directed me to, would not provide service on the loan.Would this then fall into the 10% threshold requirement since I couldn't use a provider they recommended? If not is there some other compensation I may be entitled to?July 07 2013 - Washington0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.